Hospital stay denied, 26k bill (bcbs)

Apparently if you go to the ER and require hospital stay you need preapproval? How does that work? I woke up to a denied claim totaling $26,345.68. Obviously i’m going to appeal it but this isn’t what I wanted to wake up too. Other than filing an appeal, is there anything else I should be doing? 26k is literally all my savings. I know you can negotiate but still.

submitted by /u/Belatorius
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Apparently if you go to the ER and require hospital stay you need preapproval? How does that work? I woke up to a denied claim totaling $26,345.68. Obviously i’m going to appeal it but this isn’t what I wanted to wake up too. Other than filing an appeal, is there anything else I should be doing? 26k is literally all my savings. I know you can negotiate but still.
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